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Belhengpah Group
In this Group: Lhingneichin, Phalhoi, Kimlhing, Vahboi, Nengdim
The lady raising her right hand in the picture is Lhingneichin, who is 36 years old. Her husband is a carpenter and works in house construction. They have two sons and a daughter. Both Lhingneichin and her husband are hard workers.They committed themselves to send their children to school, which they were deprived off in their own childhood because of acute poverty. In 2009, Lhingneichin took a loan from WSDS and started ginger farming because there was high demand in the market and less supply as very few farmers are engaged in ginger cultivation. She not only cultivates ginger, but also sells it by herself in the local market. Its profitability and high demand encourages her to scale up and increase her production. She, therefore, decided to expand the area of her ginger cultivation. For this reason, she wants to hire some laborers and purchase fertilizers and pesticide, which requires capital. She is now asking for a loan for her ginger farming business.

Additional Information

More information about this loan

This loan is part of WSDS's effort to reach some of the most underserved parts of India's troubled northeast region, where there is very poor penetration of both formal and informal financial services. By supporting this loan, you are enabling access to finance for women living in some of India's most remote areas.

Important note about this loan

Due to Indian government regulations, if you fund this loan, you will not be repaid for at least 3 years. This borrower will likely repay your loan much sooner than that, in which case, the Field Partner may re-loan your funds to help other local borrowers. We want you to be aware of this minimum 3-year waiting period and the associated risks before making a loan to Indian borrowers on Kiva. Learn More >

About WSDS-Initiate
WSDS-Initiate is an inclusive nonprofit that works with women across all tribes and minority communities in Manipur, located in the remote northeast region of India. Most organizations concentrate their work in the plains region of Manipur, but WSDS is among the very few organizations serving women in the isolated hills. Political unrest and frequent economic blockades in the area make it very difficult to provide services, resulting in Manipur having the lowest penetration of financial services in the country.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About India

  • $4,000
    Average annual income
  • 36
    View loans »
    India Loans Fundraising
  • $5,640,525
    Funds lent in using Kiva
  • 54.0
    India Rupees (INR) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Belhengpah Group's $950 loan helped a member to hire laborers and purchase fertilizers and pesticide.
0% repaid
Repayment Term
43 months (Additional Information)
Repayment Schedule
At end of term
Sep 22, 2012
Sep 24, 2012
Currency Exchange Loss: